Banking that gives!
Spiral combines powerful banking and giving in one app

  • Enjoy amazing bank account benefits
  • Anyone can support any cause1
  • We match our customers’ donations2

All deposit accounts are issued by nbkc bank,

Member FDIC. FDIC-insured up to $250,000

  • Enjoy amazing bank account benefits
  • Anyone can support any cause1
  • We match our customers’ donations2
All deposit accounts are issued by nbkc bank, Member FDIC.
FDIC-insured up to $250,000

Amazing bank accounts for amazing people

We give you up to 15x more than the national average3
We give you up to 15x more
than the national average3
Earn APY4
On your savings
(Annual Percentage Yield)
Up to $100 a year
In cash bonuses5
  • No hidden fees
  • No monthly fees for active accounts6
  • No ACH transfer fees
  • No minimum balance required
  • Automatic goal-based savings
  • Debit card control - lock/unlock
  • Mobile check deposit & bill payment7
  • Truly personal customer service

Easily use our app to donate to causes and we’ll match it!2

  • Choose from over a million charities in the U.S.1
  • Donate as little as $5 to unlock Spiral’s donation matching
  • Conveniently track and manage your donations with the app
  • Automatic end-of-year tax report

Your security is our priority

  • We keep your data and money secure at all times with military grade encryption - RSA 2048 bit
  • Debit card control - lock/unlock
  • All deposit accounts are issued by nbkc bank, Member FDIC. Deposits are insured up to $250,000

What are you waiting for?
Join our waitlist and claim your Spiral early access

1 Only charities the IRS recognizes as tax-exempt on https://apps.irs.gov/app/eos/ and not disqualified by Spiral.

2 Spiral matches your donation to eligible charities dollar for dollar up to $150 per year. Minimum donation of $5 per year required for matching. See here for additional details.

3 When Spiral calculates actual cash earned by adding the cash bonuses with the interest earned on a savings account that maintains a daily balance of $10,000 during the year, the cash earned is more than 15 times the national average estimated to be earned on a savings account with a $10,000 balance using the national average interest percentage rate of 0.06% paid on savings accounts (determined by FDIC as of June 1st, 2020 based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Visit https://www.fdic.gov/regulations/resources/rates/historical/2020-06-01.html to learn more.)

4 The Annual Percentage Yield (APY) on savings account balances is 0.23%. Interest rates are subject to change. This APY is current as of 01/01/2021. No minimum balance required to obtain the 0.23% APY.

5 When you set up a recurring monthly direct automated clearinghouse (ACH) deposit of $1,000 or more to your checking or savings account, each month you can earn the cash bonus shown in the Cash Bonus Table if the balance in your savings account during the month remains at or above the corresponding minimum balance. For example, if you maintain $9,000 in your savings account each day during the statement cycle, you will earn a cash bonus of $5.10. If your balance falls below $9,000, but stays above $7,000 each day during the statement cycle, your cash bonus is $3.97. All cash bonsues of up to $8.50 per month (up to $102 a year) will be credited to your savings account on the last day of the month.

6 Your account is considered inactive if you have not made a deposit or withdrawal in the last 90 days. Spiral will charge $7 per month for inactive accounts. Spiral may close your account for inactivity.

7 Some features, like mobile check deposit and bill payment, may not be available at the time you open your account.

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